BlastPoint's Credit Union Scorecard
INOVA
Charter #4968 · IN
INOVA has 4 strengths but faces 13 concerns
How does the industry compare?
What's your peer group doing?
How does IN stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Leader: Top 32.3% in tier
- + Loan-to-Share Ratio: Top 0.0% in tier
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Total Loans: Top 2.4% in tier
Key Concerns
Areas that may need attention
- - Deposit Outflow: Bottom 3.8% in tier
- - Shrinking Wallet Share: Bottom 5.0% in tier
- - Liquidity Strain: Bottom 10.6% in tier
- - Efficiency Drag: Bottom 22.8% in tier
- - ROA 0.82% below tier average
- - Efficiency ratio 2.40% above tier (higher cost structure)
- - Delinquency rate 0.19% above tier average
- - Deposit Growth Rate: Bottom 3.6% in tier
- - AMR Growth Rate: Bottom 6.5% in tier
- - Net Worth Ratio: Bottom 6.5% in tier
- - Net Charge-Off Rate: Bottom 8.9% in tier
- - Share Certificate Concentration (%): Bottom 8.9% in tier
- - Asset Growth Rate: Bottom 9.5% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (IN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
47,509
+0.5% YoY+0.4% QoQ
|
+7.8K |
39,752
-2.7% YoY
|
22,637
+3.1% YoY
|
33,089
+6.1% YoY
|
80% |
| Assets |
$663.0M
-4.4% YoY-2.2% QoQ
|
+$40.6M |
$622.4M
+0.3% YoY
|
$383.9M
+8.8% YoY
|
$547.7M
+7.8% YoY
|
68% |
| Loans |
$606.5M
-4.2% YoY-0.4% QoQ
|
+$170.6M |
$435.9M
-0.4% YoY
|
$276.9M
+7.4% YoY
|
$388.7M
+8.6% YoY
|
Top 3.0% in tier |
| Deposits |
$525.6M
-6.0% YoY-2.7% QoQ
|
$-12.4M |
$538.0M
+1.3% YoY
|
$323.0M
+10.5% YoY
|
$464.6M
+9.3% YoY
|
43% |
See Your Full Scorecard
Unlock complete metrics, rankings, and AI-powered insights — always free
✓ Check your email for the access link!
Want to see an example first? Preview Navy Federal's scorecard →
| ROA |
-0.2%
-181.1% YoY-32.7% QoQ
|
-0.8% |
0.7%
+33.9% YoY
|
0.9%
+24.5% YoY
|
0.7%
+273.4% YoY
|
Bottom 3.6% in tier |
| NIM |
3.3%
+11.6% YoY+2.7% QoQ
|
-0.1% |
3.4%
+8.6% YoY
|
3.8%
+8.0% YoY
|
3.7%
+5.0% YoY
|
40% |
| Efficiency Ratio |
80.5%
+13.4% YoY-0.4% QoQ
|
+2.4% |
78.1%
-3.4% YoY
|
77.7%
-3.5% YoY
|
79.1%
-3.3% YoY
|
61% |
| Delinquency Rate |
1.0%
-47.2% YoY-1.5% QoQ
|
+0.2 |
0.8%
-4.9% YoY
|
1.3%
+19.3% YoY
|
1.2%
-0.9% YoY
|
74% |
| Loan To Share |
115.4%
+2.0% YoY+2.4% QoQ
|
+34.4% |
81.0%
-1.8% YoY
|
69.6%
-2.1% YoY
|
68.0%
-1.7% YoY
|
Top 0.6% in tier |
| AMR |
$23,831
-5.6% YoY-1.9% QoQ
|
$-3K |
$26,482
+2.6% YoY
|
$18,326
+4.3% YoY
|
$19,418
+1.3% YoY
|
43% |
| CD Concentration |
38.3%
-12.2% YoY-2.8% QoQ
|
+13.9% |
24.4%
+4.2% YoY
|
19.0%
+9.9% YoY
|
19.6%
+6.2% YoY
|
Top 10.0% in tier |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
11.0%
-3.5% YoY
|
7.9%
-2.9% YoY
|
Bottom 0.0% in tier |
Signature Analysis
Strengths (1)
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.
Concerns (4)
Deposit Outflow
declineMembers staying (>= -1% YoY) but deposits leaving. They're moving money to higher-yield competitors - rate pressure is real.
Shrinking Wallet Share
declineAverage member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.
Liquidity Strain
riskLoan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
Metric Rankings
See how this credit union ranks across all tracked metrics compared to peers.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25% (25th percentile or lower)